{
  "openapi": "3.0.3",
  "info": {
    "title": "Equipment Capital Index Rate API",
    "description": "Live, aggregate commercial equipment financing rate and estimated monthly payment benchmarks by category, computed from real per-machine price and rate data. Free, no auth required. CC BY 4.0.",
    "version": "1.0.0",
    "contact": {
      "name": "Equipment Capital Index",
      "url": "https://www.equipmentcapitalindex.com/press",
      "email": "contact@equipmentcapitalindex.com"
    },
    "license": {
      "name": "CC BY 4.0",
      "url": "https://creativecommons.org/licenses/by/4.0/"
    },
    "termsOfService": "https://www.equipmentcapitalindex.com/terms"
  },
  "servers": [
    {
      "url": "https://www.equipmentcapitalindex.com",
      "description": "Production"
    }
  ],
  "paths": {
    "/api/rate-report.json": {
      "get": {
        "summary": "Get current aggregate equipment financing rate report",
        "description": "Returns site-wide and per-category average estimated APR and monthly payment, computed live from currently priced commercial equipment.",
        "operationId": "getRateReport",
        "tags": ["Rate Report"],
        "responses": {
          "200": {
            "description": "Current rate report",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/RateReport"
                },
                "example": {
                  "source": "https://www.equipmentcapitalindex.com",
                  "license": "https://creativecommons.org/licenses/by/4.0/",
                  "methodology": "https://www.equipmentcapitalindex.com/methodology",
                  "data_as_of": "2026-08-19T08:57:15.128984+00:00",
                  "generated_at": "2026-08-20T17:25:10.335Z",
                  "total_machines_tracked": 349,
                  "site_avg_apr_percent": 8.16,
                  "site_avg_estimated_monthly_payment_usd": 2602,
                  "categories": [
                    {
                      "category": "heavy-construction",
                      "label": "Heavy Construction",
                      "machines_tracked": 182,
                      "avg_apr_percent": 8.25,
                      "avg_estimated_monthly_payment_usd": 2635
                    }
                  ]
                }
              }
            }
          }
        }
      }
    }
  },
  "components": {
    "schemas": {
      "CategoryStat": {
        "type": "object",
        "properties": {
          "category": { "type": "string", "example": "heavy-construction" },
          "label": { "type": "string", "example": "Heavy Construction" },
          "machines_tracked": { "type": "integer", "example": 182 },
          "avg_apr_percent": { "type": "number", "example": 8.25 },
          "avg_estimated_monthly_payment_usd": { "type": "integer", "example": 2635 }
        }
      },
      "RateReport": {
        "type": "object",
        "properties": {
          "source": { "type": "string", "format": "uri" },
          "license": { "type": "string", "format": "uri" },
          "methodology": { "type": "string", "format": "uri" },
          "data_as_of": { "type": "string", "format": "date-time" },
          "generated_at": { "type": "string", "format": "date-time" },
          "total_machines_tracked": { "type": "integer" },
          "site_avg_apr_percent": { "type": "number" },
          "site_avg_estimated_monthly_payment_usd": { "type": "integer" },
          "categories": {
            "type": "array",
            "items": { "$ref": "#/components/schemas/CategoryStat" }
          }
        }
      }
    }
  }
}